Steps Before Buying Health Insurance

JAKARTA, KOMPAS.com - increasingly diverse health insurance products. The products are not only sold in the company's life insurance, but insurance is also common. You should be careful before you buy.Under these conditions, a lot of health insurance products available in the market. Moreover, sometimes an insurance company also has more than one health insurance products. If not careful, we can either choose from. Before choosing an insurance product, you can look at this:1. The credibility of the insurance companyYou should pay attention to insurance companies that offer health insurance products. Is the company experienced a long handle products that are included in the claim process2. Coverage benefitsIn insurance, we would look at the benefits that we will get. Instead, you can compare health insurance products with the products of the other companies in the health insurance. See also coverage such as inpatient, outpatient, surgery and rehabilitation3. Given cost limitThe product has a limited cost (indemnity) or without limitation fees according to medical indications (managed care)4. Number and distribution providerThis will be particularly important will help us in the process of health care. Provider here means referral hospitals, clinics and other health facilities5. Check whether the insurance company has a contract directly with the provider.Where a contract directly with providers such as hospitals, clinics, pharmacies and laboratories, it is no guarantee of quality of service and cost reasonableness6. Service customer serviceYou should see if the company has the customer service for 24 hours or 7. The amount of premiums for our health can not be assessed costs. So the consideration amount of the premium received special attention as well after we select the insurance company. In addition, premiums will also determine our ability to pay. Do not until you can not afford to pay it.8. Adjust the riskIn choosing health insurance, the prospective customer must know in advance about the suitability of health products to the needs of prospective customers. For example, the risk of what is guaranteed and that is not guaranteed in the policy. It also includes the amount of premium to be paid and the procedure for filing a claim9. Conformity budgetBack again money matters. It had to be adapted to the needs of the budget so as not to disturb others, but the health insurance needs remain unmet. If you need a comprehensive health insurance benefits, but have a limited budget, you should have a pure health insurance premiums are relatively lower than investment plus insurance.